I am pricing some new wood stove inserts for my home. I have two prices: a Quadra Fire 4100 installed for $4600 or a Regency I3100 for $2989 (just for the insert) and 1600 for installation and chimney liner which brings me to about $4600. The Regency is a bigger stove heats 1800-3000 sqft. with the Quadra Fire heating up to 2000sqft. My home is about 1800 sqft. My question is which stove is of better quality/performance and also would the 4100 be sufficeint to heat my home or is it pushing it? The good thing about the quad is that I can finance it for free over the year. Any other suggestions would be greatly appreciated. My home is a ranch with the outside of the fireplace being in the Garage. Full masonary fireplace. Thanks!!